Isnin, Januari 24, 2011

Found money..what do you do?

Related two stories with different scenario..

No. 1: Motorists risk lives to collect coins strewn on highway

By SARBAN SINGH ,Wednesday January 19, 2011

REMBAU: An accident that resulted in about RM75,000 worth of coins being strewn on a highway saw motorists risking their lives as they scrambled to get the money.
They parked their vehicles haphazardly along KM234 of the North-South Expressway and scooped the coins into helmets, pockets, plastic bags and whatever else that they could find until they were stopped by the police.
Some were seen squatting on the highway to collect the 10 sen, 20 sen and 50 sen coins and refused to budge despite pleas from the owners, who were on their way to distribute the coins to stores in Malacca.
Loose change: PLUS personnel clearing the coins from the highway yesterday
Others ran to the middle and fast lanes to collect them with no regard for their safety.
The accident occurred at 4pm yesterday when a BMW, which was travelling south from Kuala Lumpur, crashed into the rear of a Toyota Hilux, causing its driver to lose control of his vehicle and crash into the embankment.
The impact caused a steel box in which the coins were kept at the rear section of the Hilux to be flung out.
State traffic chief Asst Supt Abdul Halil Hamzah said his men, who witnessed the frenzy, had to stop motorists from taking the coins and endangering their lives.
The driver of the Hilux, Zairul Hisham Mansor, 28, said he was travelling with a friend from Shah Alam to Malacca to distribute the coins.

Motorists rushing to pick up coins strewn all over the road on the North- South Expressway near Seremban. Others, oblivious to danger, even ran to the middle and fast lanes to collect the coins. 
No. 2: Honest trash collector returns RM115,659
Yang (left) returning the money to Lin (right)
Yang (left) returning the money to Lin (right)

An honest trash collector in Taiwan returned NT1.1mil (RM115,659) which she picked up from the street to the owner.
Yang Huang Mu-dan, 67, also refused to take the three-per cent reward she was entitled to.
However, after much persuasion, she agreed to take a NT$3,000 (RM315) ang pow.
"I have not seen so much money before. If I take it, I would feel guilty for the rest of my life.
"The person who lost it must be very anxious," said Yang of Yilan, who earns a monthly household income of about NT$50,000 (RM5,254).
Her honesty has been highly praised by the police and her neighbours, most of whom said that Yang had made them proud.
Yang is respected for her honesty
Yang is respected for her honesty

Yang, who only received primary education, has been takings care of her six children alone after her husband died 25 years ago.
On Saturday morning, after collecting some recyclable items from the market, she found the bag containing the cash.
In an attempt to return the money, she rushed to the nearest police station, where she met the anxious accountant - identified only as Lin.
Lin said she was to have banked in the takings of her workplace. But as she walked to the car, her phone rang, so she placed the bag on the boot.
After answering the call, she drove away, completely forgetting about the bag.
The 37-year-old woman drove for about 1km before she realised what she had done.

She thanked Yang repeatedly.
Source: Apple Daily, Published Jan 24 2011 

Khamis, Januari 20, 2011

Hutang Isi Rumah Masih Pada Paras Berhemah: BNM

KUALA LUMPUR: Hutang isi rumah Malaysia yang berjumlah RM577 bilion pada November tahun lepas, masih pada paras berhemah, kata Gabenor Bank Negara Malaysia (BNM), Tan Sri Dr. Zeti Akhtar Aziz. Beliau berkata, hutang isi rumah merupakan kira-kira 50 peratus daripada keseluruhan pinjaman dan 74 peratus daripada keluaran dalam negara kasar (KDNK)."Walaupun ia mungkin kelihatan tinggi, namun satu perkara yang Malaysia ada, yang amat penting bagi institusi perbankan khususnya, ialah sistem maklumat rujukan kredit pusat.

"Walaupun kita ada baki kad kredit sebanyak RM1 sekalipun, nama kita akan ada dalam sistem ini, jadi semasa melakukan penilaian kredit, institusi perbankan boleh mengetahui obligasi kewangan seseorang peminjam," katanya kepada pemberita selepas melancarkan satu program pengurusan wang, "Pengurusan Wang Ringgit Anda (Power!)" di sini hari ini. Program itu bertujuan memperkasa individu muda dan peminjam baharu dalam menguruskan kewangan mereka dengan berkesan, yang seterusnya akan menyumbang ke arah menggalakkan perlindungan yang lebih baik bagi pengguna kewangan dan memupuk sektor isi rumah yang lebih berdaya tahan.

Zeti berkata, paras Pinjaman Tidak Berbayar (NPL) masih rendah, dan NPL dalam sektor perbankan pada keseluruhannya adalah sebanyak dua peratus manakala bagi sektor isi rumah sebanyak 2.3 peratus.
"Pada masa ini, kita percaya peminjaman dalam sektor isi rumah berada pada paras berhemah, tetapi kita tidak mahu menunggu hingga kita ada masalah dan itulah sebabnya kita memperkenal program ini," tegasnya.
Kata Zeti, keutamaan BNM ialah memastikan kedudukan hutang isi rumah berada pada paras berhemah, di samping memantau bank-bank dan memastikan tidak wujud amalan memberikan pinjaman secara berlebihan dan tidak bertanggungjawab.

"Bagi pengguna, kita akan memantau dengan teliti," katanya sambil menambah bahawa maklumat yang diberikan oleh Agensi Kaunseling dan Pengurusan Kredit (AKPK) menunjukkan 60 peratus kes pengguna adalah yang berkaitan dengan masalah hutang isi rumah.Sementara itu, program Power! dijangka melengkapkan individu dengan pengetahuan dan kemahiran kewangan amali serta alat membuat keputusan untuk membuat keputusan kewangan yang bijak.Ia merangkumi maklumat berguna dan petua untuk menggalakkan pengurusan wang berhemah dan disiplin kewangan. - BERNAMA